Loan Against Property (Mortgage Loan)

A loan against property (LAP) lets a business or individual borrow against the value of owned real estate — residential or commercial — usually at lower rates and longer tenures than unsecured finance, for business or other needs.

The firm assesses eligibility, prepares the proposal, and arranges the mortgage loan with a suitable lender.

Loan-against-property advisory includes:

• Eligibility assessment against the property value and income
• The loan proposal and supporting documents
• Coordination of the property valuation and title check
• Identification of a suitable lender and the application
• Support through appraisal, sanction, and disbursement

1. 01

   Assess

   Establish eligibility from the property value and repayment capacity.

2. 02

   Prepare

   Compile the proposal and the property and income documents.

3. 03

   Approach

   Identify a suitable lender and submit the application.

4. 04

   Close

   Support valuation, legal check, sanction, and disbursement.

PBT helps you unlock property value on the right terms.

• A clear eligibility assessment
• A complete, well-presented application
• The right lender for the property and need
• Support through valuation, sanction, and disbursement
• Scope, deliverables, and fees agreed in writing up front

• How much can I borrow against my property?

  Typically a percentage of the property's market value (the loan-to-value), subject to your repayment capacity. We assess the eligible amount.

• Can I use both residential and commercial property?

  Yes. A loan against property can be raised against residential, commercial, or industrial property, subject to the lender's norms.

• How long does it take?

  Preparing the proposal is quick; sanction depends on the lender's valuation, legal check, and appraisal — usually a few weeks.